Mortgage deals in July 2026: remortgage window and comparison checklist
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Fixed deals ending in the next six months should be compared now — not at expiry. Compare SVR, new fixes and product fees using the total cost over the deal period, including early repayment charges on your current loan.
By Money Guide editorial team
Published:
Most UK mortgages are fixed for two to five years. When the fix ends, you revert to the lender's standard variable rate unless you remortgage or product-transfer. SVRs are usually far above new fixed deals.
Start comparing three to six months before your deal ends. A mortgage offer can take weeks; completion must align with your current fix end date to avoid SVR months.
Compare like with like: same loan term, same repayment type (capital and interest vs interest-only), and include arrangement fees, valuation costs and cashback in the total cost — not just the headline rate.
Product transfers with your existing lender skip legal work but may not be cheapest. Whole-of-market brokers can access lenders not on comparison sites — useful for complex income or credit histories.
Stress tests still apply: lenders test affordability at a higher rate than your quoted deal. See our compare mortgage deals guide, remortgage guide and compare-two-mortgages calculator.